Q. I just filed taxes, and it looks like I’ll get a pretty big refund this year. A friend of mine told me I should adjust my withholding, so I don’t get a refund. This seems pretty dumb to me. Why would I change my withholdings when I’m getting money back?

Q. My wife and I have $72,000 in debt from student loans and a car loan. We’re trying to pay off our debt using the debt snowball system, and we each make about $45,000 a year. She’s a teacher, and she’s planning on going back to school for her master’s degree, but she’s thinking about quitting her job to do this. She’ll be able to make more money with the additional education, and she would only be unemployed for two years. The degree program will cost us $2,000 out of pocket per semester for two years. Does this sound like a good idea?

A. When it comes to buying a home, I always tell people to get a 15-year, fixed rate mortgage, with monthly payments that are no more than 25 percent of their take home pay. This type of mortgage is the only debt I don’t beat up people for having. Still, I urge folks to pay off these loans in less than 15 years.

Q.Our son is about to graduate from law school. He took out a loan to cover the cost, but we’ve always been debt-free and have been paying on it to help him out while he finishes his studies. The balance on the loan right now is around $30,000. He has a job waiting for him after he graduates, so we’re thinking about telling him it will be his responsibility to finish paying off the loan at that point. Is that wrong?

Q. My son is about to go off to college, and I’m concerned about how he’ll handle his money when he gets there. We’ve taught all our children how to use your envelope system, and to save and give, but I’d like some advice on how he can safeguard his finances a little better.

Q. My husband and I have been saving, and we’re ready to buy our first home. We found a place we both love and can afford if we do a 30-year mortgage instead of a 15-year mortgage. Should we wait and save more for a down payment so we can afford a 15-year mortgage, or go ahead and do the 30-year deal?

Q. My wife and I have been helping our adopted daughter financially for some time. She’s 25, has been married for three years, and we don’t see this cycle stopping anytime soon. The worst part is, they will often throw in that our grandchild will go without something unless we help. We’re certain this isn’t teaching them to stand on their own feet, but we don’t know what else to do.

Q.My wife just had our first child. Now, we now have about $3,000 in medical bills not covered by insurance. We’ve got $8,000 in our emergency fund, and I make between $25,000 and $30,000 a year. Should we try setting up a payment plan with the hospital, or is dipping into our savings a better idea?